Forward Collision Warning Car Insurance Discount
Unleash the power of advanced safety features in your car to unlock lower car insurance rates. While forward collision warning car insurance discounts may not be available, you can still leverage these cutting-edge technologies to qualify for safe driving discounts. Enter your ZIP code now to compare rates from top insurance providers and find the best coverage at the best price.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
UPDATED: May 26, 2023
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Are you curious about the availability of a forward collision warning car insurance discount? While such a discount may not exist, there are still ways to utilize your advanced safety features to secure lower car insurance rates. In this comprehensive guide, we delve into the reasons behind the absence of this specific discount and explore alternative strategies to save on your car insurance premiums.
- Car manufacturers are including more advanced safety features than in their new model, including forward-collision warning systems
- Car insurance companies are not offering big discounts for drivers who have these features in their car for a number of different reasons
- Auto insurance companies have little data proving the actual effectiveness of advanced safety measures; therefore, most do not offer any type of forward-collision warning car insurance discount
Discover how you can maximize the benefits of forward collision warning systems and other advanced safety features to become a safer driver and potentially qualify for safe driving discounts. To find the best insurance coverage at the most competitive rates, enter your ZIP code now and compare quotes from the top insurance providers in your area.
Why is there no car insurance discount for advanced safety features?
According to data, automatic collision avoidance systems and other advanced safety features have not made drivers more provably safe. Car insurance companies will not offer liability car insurance discounts unless they know that the savings they offer won’t hurt their bottom line.
Since insurers can’t effectively prove that these systems are making drivers safer, they can’t offer discounts.
Furthermore, more manufacturers are making these advanced safety features standard on their new cars, but insurers cannot be certain that every car that has this technology is actively using it.
The final blow to a collision preparation system or other advanced safety technology is that while it comes standard in many cars, it is also very expensive to repair or fix in the event of an accident.
Insurers are left with systems that they can’t prove statistically make drivers safer and make car repairs more expensive.
This doesn’t mean you can’t use your forward-collision warning system to save money on your car insurance.
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How can I use my advanced safety features to save money on my car insurance?
It is true insurers will not offer you a discount for having advanced safety features, but they will offer you a discount for safe driving. You can use your advanced safety features to be a safer driver and, in turn, earn a lower car insurance rate.
| Insurance Company | Eligibility | Discount Amount |
|---|---|---|
| State Farm | No moving violations or at-fault accidents by any named driver during the past three years Separate discount when your car, or the one it replaced, has been on a State Farm policy for three years without chargeable accidents (any accident that increases rates) | Undisclosed |
| Progressive | Customers with no tickets or accidents for three years | 31% less on average |
| Allstate | Accident free (bonus for every six months without accidents) | $100 off collision deductible for each year without accidents, to $500 maximum |
| USAA | Good driving record for at least five years | Undisclosed |
| Liberty Mutual | Separate accident-free and violation-free discounts (specific requirements undisclosed) | Undisclosed |
| Farmers | Varies by state | Undisclosed |
| Nationwide | No at-fault accidents or major violations during the past five years | Undisclosed |
| American Family | No accidents, violations, or claims during the past five years | Undisclosed |
| Travelers | No accidents, violations, or major comprehensive claims by any named driver during the past three or five years | Three years: up to 10% Five years: up to 23% |
As you can see, many of the top insurance companies offer a great rate for safe driving.
While you won’t get a forward-collision warning auto insurance discount for your advanced safety features, you can use them to be a safer driver and ultimately save on your car insurance.
If you’re interested in learning more about ways you can save on your car insurance, read this helpful resource from the Insurance Information Institute.
If you want to compare auto insurance quotes from the top companies in your local area, enter your ZIP code below to see car insurance quotes now.
Frequently Asked Questions
What is Forward Collision Warning (FCW) and how does it work?
Forward Collision Warning (FCW) is a safety technology that warns drivers of an imminent collision with the vehicle in front of them. FCW uses sensors, cameras, or radar to detect the distance between the driver’s car and the car in front. If the distance decreases too rapidly and a collision is likely, the FCW system will alert the driver with visual, audio, or haptic signals to take action to avoid the collision.
Can having Forward Collision Warning installed in my car lower my insurance rates?
Yes, some insurance companies may offer a discount for having FCW installed in your car. This is because FCW has been shown to reduce the likelihood of accidents, which in turn reduces the insurance company’s risk and potential payout for claims.
How much of a discount can I expect for having Forward Collision Warning in my car?
The amount of discount varies by insurance company and policy, but it can typically range from 5% to 10%.
Is Forward Collision Warning the same as Automatic Emergency Braking (AEB)?
No, while both technologies are designed to prevent collisions, they work differently. FCW warns the driver of an impending collision, while AEB automatically applies the brakes to prevent a collision if the driver does not take action in time. Some cars may have both FCW and AEB as part of a package of advanced safety features.
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Laura Walker
Former Licensed Agent
Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...
Former Licensed Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.